Annamalai Swami says : “The vasanas arise because of the habits and practices of previous lifetimes. That is why they differ from jnani to jnani.
When vasanas rise in ordinary people who still identify with the body and the mind, they cause likes and dislikes. Some vasanas are embraced wholeheartedly while others are rejected as being undesirable. These likes and dislikes generate desires and fears which in turn produce more karma. While you are still making judgements about what is good and what is bad, you are identifying with the mind and making new karma for yourself. When new karma has been created like this, it means that you have to take another birth to enjoy it.
The jnani’s body carries out all the acts which are destined for it. But because the jnani makes no judgment about what is good or bad, and because he has no likes and dislikes, he is not creating any new karma for himself- Because he knows that he is not the body, he can witness all its activities without getting involved in them in any way.
There will be no rebirth for the jnani because once the mind has been destroyed there is no possibility of any new karma being created.”